Health insurance protects you from the unexpected, but what do you really know now about tomorrow’s health needs?
Picking a health plan isn't always easy. But a little research and planning before you shop can help you pick a plan that meets your health care needs, and your budget.
Based on your past and current health needs, you may be able to guess how often you'll use your benefits in the coming year. For example, do you expect to use your benefits this year? Are there any upcoming life changes, such as having a baby or a newly diagnosed condition, that could cause you to seek more care?
Choose your health care coverage based on the amount of benefits you expect to use.
In other words, you may want to choose a plan with higher premiums, but lower out-of-pocket costs knowing you'll need prescription drugs or are planning to start a family.
Or, if you don't expect to use your health benefits much, choosing a plan with lower premiums, but higher out-of-pocket costs can help you avoid spending money on care you don't get.
Learn more about shopping for a health plan and how to choose the right coverage for you.